How will my claim be handled?Our
claims staff will do an investigation to determine who is responsible for the
loss. They will contact the agency for their report on the incident. Information
will be gathered to determine responsibility for the loss and the nature of the
How is fault determined?It
can be difficult to determine fault. Our staff will gather facts and review the
statutes that may apply. The investigation may include obtaining recorded
statements, scene investigations, police reports and other reports pertaining
to the incident. You should supply evidence you would like considered in
the investigation, such as photos, diagrams, witness information, police
reports, etc. This can take time. It can be difficult to determine fault or
there may be a difference in opinion regarding fault. You may wish to proceed
through your own insurer to expedite the process.
How do I provide evidence of damages?
the state is determined to be at fault for damage to your personal property we
will require two estimates of repair. If the property is a total loss we will
require two estimates of replacement. We may assign an Independent Adjuster to
inspect the property and assist in determining the damage. Helpful information
you can supply: Original receipts of purchase, photos, make and model numbers,
Any payments made to you for vehicle repairs, rental car expenses, towing and
storage fees, or for personal property damaged in the accident are not intended
to toll any statute of limitations, including but not limited to the two year
state of limitations on bodily injury claims.
Where should I get my vehicle/property repaired?
are free to have your vehicle repaired at the shop of your choice. We base
payment on the lower of the estimates supplied. We do review estimates to see
that they include all the damages and we will work with the shop/contractor on
questions or supplements.
some circumstances we may hire and independent adjuster to inspect and assess
the damages to your vehicle.
What if I need a rental car?If
the state is determined to be responsible for your damages, contact your
adjuster immediately for directions on this process.
will work with you and a rental company to supply a rental vehicle while your
vehicle is in the shop. If your vehicle is a total loss you are encouraged to
go through your own carrier to expedite the process. If you don’t have coverage
or prefer to work with our staff contact the claims representative to
determine the length of time and arrangements necessary.
cars provided are basic standard cars. We pay only the daily rate. Any other
charges like gas, insurance, mileage and drop off charges will be your
What if I am injured?Complete
the bodily injury portion of the claim form. We
will need detailed information on your injury. We will send you a medical
authorization for you to sign and return, including the names and addresses of
your treatment providers. We will need copies of medical bills and records.
you are injured we are required by federal law to provide your name, date of
birth and social security number to Medicare for review.
you have medical bills as a result of a motor vehicle accident you should
submit your claim to the insurer of the vehicle you were occupying at the time
of the accident. Typically your injury is covered under the personal injury
protection portion of your automobile policy. They will assist with your
medical expenses. If the State is determined to be responsible for the accident
we will work with you and your insurer for settlement of your claim.
Who pays my medical bills?
Motor vehicle accident:
you are ready to settle your injury claim please contact us. We will review all
documents to be sure we have the necessary information to provide you a
Non-motor vehicle accident:The state does not carry Premises Medical Coverage for state property. Medical
bills for injuries such as slip and fall injuries should be submitted to your
health and accident insurer.